Yes, I could have said “The best system might be the one that creates the least losses.” I thought about that, but I thought there was inherent cost in people not reaching something like their potential. It hardly matters, though, since it would take more computing power than we have and more human subject experimenting than we can stomach even to begin to calculate the answer to either formula.
As to inherited wealth . . . I suspect the advantage that provides is something of a constant across the systems. Inherited wealth substitutes for formal education quite nicely.